KR20100020362A - System for payment business using prepay type smart card - Google Patents

Abstract

PURPOSE: A system for payment business using a prepay type smart card is provided to remarkably reduce the cost for service establishment by extending a service function of a smart card based on an existing infra. CONSTITUTION: A smart card(101) includes service setting information, and a PSAM(Purchase Secure Application Module)(105) verifies automatic charging information and financial transaction information through the reception of the service setting information and the communication information for authenticating a user. An administration server(107) manages charging and transaction results for the automatic charging service based on the collection of the financial transaction information. A financial server(111) performs the application and registration for the automatic service of the smart card, and the financial server performs the approval and transaction process for the automatic charging service.

Description

Payment transaction system using prepaid smart card {SYSTEM FOR PAYMENT BUSINESS USING PREPAY TYPE SMART CARD}

The present invention relates to a payment transaction of a prepaid smart card, and more particularly, a payment transaction using a prepaid smart card that can perform a toll payment function on a toll road and a debit function according to a purchase of goods or services using a smart card. It's about the system.

In general, a prepaid payment method using a smart card charges a certain amount to a card through authentication of a charging terminal and a charging security authentication module (LSAM) for charging, and the payment terminal and a security authentication module (PSAM) for payment. The payment is made within the balance of the card. The prepaid payment method using the smart card is widely used as a means of payment in public transportation using a bus or subway, toll road payment and other distribution merchants.

In particular, the toll collection method of a toll road, such as a conventional expressway, collects tolls manually at a toll gate at an exit toll gate after issuing a contact prepaid card or a pass at the toll gate entering a toll gate, or in some sections, tolls are collected at a road toll gate. The House collects tolls manually. This is caused by vehicle congestion caused by vehicles stopping at the toll gate for toll collection, and there are various problems such as an increase in labor costs due to the arrangement of the toll collector and expenditure due to the issue of a contact prepaid card or a pass.

Therefore, to solve the above problems and to minimize the inconvenience and traffic delays caused by toll collection, and to introduce the intelligent transportation system for the purpose of computerizing toll collection, toll gates are automatically collected at toll gates in some sections of the expressway. HI-PASS, which installs a wireless transmit / receive system and installs an OBU on the vehicle to automatically settle the toll by the wireless transmit / receive system and the wireless communication method, so that the toll can be automatically collected even during the high-speed driving of the vehicle. The system is being implemented.

The OBU mounted in the vehicle in the high pass system is detachably equipped with a prepaid electronic card having an intelligent IC chip that can read card information and store data on the card, and the OBU reads the prepaid electronic card. The data can be entered.

In the conventional charging method of the prepaid electronic card installed in the OBU, the user checks the charge balance of the prepaid electronic card, removes the electronic card from the OBU, visits a road construction office and charges it by cash payment or credit card payment. Or, it charged by cash payment when passing through the toll gate, or by credit card payment or bank transfer via the Internet using a computer connected with a card reader for a prepaid electronic card.

However, the conventional charging method as described above has the inconvenience that the user should always check the balance of the prepaid electronic card and charge in advance. In addition, in order to charge the prepaid electronic card, it was inconvenient to charge only in limited places. That is, because the user is using the toll payment in the state of getting on the vehicle, stopping or getting off the vehicle for charging is acting as a very big inconvenience.

As a result, in the case of a smart card used as a toll road payment method, a high pass payment system in which a vehicle terminal (OBU) is mounted and a smart card is inserted into the terminal to pass through the toll gate without interruption is insufficient. In order to charge, the user has to visit the rest area or the office to charge, which increases the inconvenience of the user. In order to solve such a problem, in recent years, the automatic charging method has been considered in the existing terminal, but this requires a separate command for charging, causing the problem of modifying the system and reducing the processing speed. . In particular, the high pass system is not applicable to the situation is not effective.

The present invention was created to solve the above problems, an object of the present invention is to use a prepaid smart card that can automatically charge without modifying the existing terminal and system while eliminating the inconvenience of charging the user using a smart card In providing a payment transaction system.

Another object of the present invention is to provide a payment transaction system using a prepaid smart card that can extend the financial transaction of the smart card to enable the purchase of goods or services using the smart card.

In the payment transaction system using a prepaid smart card according to the first aspect of the present invention for achieving the above object, in the payment transaction system using a prepaid smart card, the smart card is service setting information for executing the automatic charging service Holds; A security authentication module (PSAM) for verifying automatic charging information and financial transaction information by receiving communication information for user authentication and the service setting information based on the smart card and short-range communication; A management server that collects the financial transaction information received from the security authentication module and registers and manages the charging and transaction results for the automatic charging service; And a financial server which performs a service application and registration for the automatic charging service of the smart card, receives the financial transaction information of the user from the management server, and executes the approval and financial processing on the automatic charging service based on the information. Characterized in that consisting of.

Payment transaction system using a prepaid smart card according to a second aspect of the present invention for achieving the above object, in the payment transaction system using a prepaid smart card, toll smart card automatic charging service based on the user's credit information Receiving a financial server for notifying the authentication and service information of the service; According to the service notification result of the financial server, the service setting information corresponding to the automatic charging service is set by the corresponding smart card of the user, and based on the service setting information, after detecting the charge request when the vehicle is driven, the financial server is sent to the financial server. A system operation server for requesting financial processing corresponding to the automatic charging request; After being connected to the terminal (OBU), based on the communication information according to the communication procedure of the electronic card and the service setting information according to the smart card automatic charging service for performing automatic charging, settlement for automatic charging and providing the result to the terminal Smart card; A security authentication module (PSAM) for receiving communication information and service setting information transmitted from the terminal and checking and verifying automatic charging information for the smart card; And a management server that collects the toll information received from the security authentication module, registers and manages the charging result for the credit payment service, and transmits it to the system operation server.

As described above, the payment transaction system using a prepaid smart card according to the present invention is a smart card, after storing the credit payment amount and credit payment amount information according to the service setting, payment of tolls or purchase of goods, services If the amount loaded into the smart card during the process is less than the credit payment threshold, it will be automatically charged through financial transactions, so it is possible to automatically pay / pay the tolls and automatically recharge / pay the purchase of goods and services. It is effective to increase the efficiency of system operation utilizing the existing infrastructure. In addition, the present invention, by expanding the service function of the smart card using the existing infrastructure, there is an effect that the cost for building the service is extremely reduced.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 shows a system configuration according to the present invention, and shows a toll payment system for a toll road as an embodiment of the present invention. Here, the toll payment is to describe the highway toll using a smart card, it will be possible to purchase goods or services using the smart card. That is, the purchase of a sale item at a branch having a security authentication module (PSAM) described below, or when using a service, the purchase payment by the smart card is possible. Therefore, although the embodiment of the present invention has been described as being limited to toll payments for toll roads, it will be obvious that goods (services) can be purchased using the same principle.

First, as shown in the exemplary drawing of the present invention, the financial server 111 receives the smart card automatic charging service based on the user's credit card 113, account transfer, GIRO, and notifies the authentication and service information of the corresponding service. And, according to the service notification result of the financial server 111, sets service setting information corresponding to the automatic charging service with the corresponding smart card of the user, and purchases a vehicle or goods (service) based on the service setting information. After detecting the charge request at the time, and connected to the system operation server 109 requesting the financial processing corresponding to the automatic charging request to the financial server 111 and the terminal 103, according to the communication procedure of the electronic card Smart to perform automatic charging and settlement for the automatic charging based on the communication information and service setting information according to the smart card automatic charging service and transmit the result to the terminal 103 A security authentication module (PSAM) 105 for receiving a card 101, communication information and service setting information transmitted from the terminal 103, and checking and verifying automatic charging information for the smart card 101; The management server 107 collects the toll information received from the security authentication module 105 and registers and manages the charging result for the payment service, and transmits the control result to the system operation server 109.

On the other hand, when the terminal 103 is applied to the toll payment system of the paid road, the terminal 103 may be used as an OBU terminal. In addition, the service setting information is the information set by the smart card 101, the minimum value information (MIN _AL ), credit payment amount (AMT) for the credit payment set by the user when registering the payment service of the prepaid smart card according to the present invention Credit payment information having information such as _AL ) and credit payment data for defining the type of credit payment. Here, the minimum value information represents the lower limit of the amount of money loaded into the smart card 101, and if the remaining amount is less than or equal to the minimum value, the credit payment service is executed. In addition, the credit payment amount represents the amount loaded when the credit payment service is executed once.

In addition, the security authentication module 105 has information on the transaction type (TRT) in the communication transaction with the terminal 103, which is to set the credit payment flag as shown in FIG. The flag setting according to the transaction type (TRT) means that the smart card 101 is a creditable card. This is set using bit information that is not used in the currently used transaction type (TRT), and is set as a flag for credit payment using an unused b5 bit or b2 bit. That is, the security authentication module 105 sets the flag based on the service setting information transmitted from the smart card.

On the other hand, the smart card 101 includes credit payment data consisting of 1 byte, which indicates the type of payment transaction, when the smart card 101 is applied to the toll payment system of the paid road, As shown in FIG. 3, the setting data is used to determine whether or not the touch pass credit payment or the high pass credit payment is performed. The credit information is used to select a credit function using any two bits, e.g., b3 to b8 bits, in the data of 1 byte structure. In the present embodiment, the b5 and b6 bits are used to determine three situations: whether the touch pass and the high pass credit payment function, the touch pass credit payment function, and the high pass credit payment.

For reference, the smart card for toll payment implements the touch pass function and the high pass function, respectively, and the touch pass allows the toll to pay automatically by contacting the smart card with the toll gate at the toll gate. It is a function of a smart card that allows tolls to be automatically paid while the vehicle is running. Therefore, the credit payment according to the present invention can be applied to any one or both of the high pass, the touch pass, and such function setting uses a specific bit of the above-described credit information structure.

As a result, service setting information such as credit payment information and credit payment data, including the card information of the smart card 101 described above, is transmitted to the security authentication module (PSAM) 105 via the terminal OBU 103 and managed. The server 107 provides the credit card service settlement result of the smart card 101 to the system operation server 109 in response to the flag information collected from the security authentication module 105. Therefore, the system operation server 109 is the credit payment conditions, that is, the minimum payment information (MIN _AL ), credit payment amount (AMT _AL ), etc. of the smart card 101 set through interworking with the financial server 111 The automatic charging by credit payment is performed based on the information.

4 is a flowchart illustrating a communication procedure of a smart card according to the present invention.

First, the smart card (IC card, High Pass Plus card) according to the present invention is set by the credit card payment system operating server 109, the user through the credit payment settings based on the credit card 113 toll It is given automatic charging function. When the remaining amount of the smart card 101 is subtracted to a predetermined value or less, the automatic charging includes the lowest value information for starting the automatic charging and the charging amount information at the time of one charge, that is, the credit payment amount information. The user sets the minimum value information and credit payment amount information for the credit payment at the time of registering the service, from which the smart card 101 holds the service setting information such as the above-described credit payment data and credit payment information.

The credit payment information includes a setting value for credit payment, for example, a credit payment amount AMT _AT , a credit payment threshold MIN _AL and a setting flag FLAG _AL information for credit payment. Therefore, when the credit payment service registration is completed, the smart card 101 has service setting information for implementing the corresponding service, and the system operation server 109 also registers the service for the smart card 101. Hold information. After mounting the smart card 101 as a terminal 103, the user has a toll automatic payment function and an automatic charging function when using the highway.

In step S401, the vehicle having the smart card 101 and the terminal 103 passes through any toll gate through a high pass lane (or a quench pass) during a highway (paid road) driving, and at this time, approaches the corresponding lane. The security authentication module 105 installed, that is, the PSAM requests communication to the terminal 103. The security authentication module 105 has a frequency band of 860Mz ~ 960MHz and performs communication with the terminal 103. When the terminal 103 starts communication with the security authentication module 105 in step S403, the terminal 103 instructs the smart card 101 to initialize the card.

The initialization value of the smart card 101 is based on a communication standard set according to a communication procedure, and the smart card 101 extracts card information and the service setting information. Extraction of the service setting information is performed during the initialization of the smart card;

=====================================

If (credit payment function)

R _IEP = MIN _AL || AMT _AL || RND

Else

R _IEP = '00' || RND

=====================================

A program such as this is added to the algorithm of the smart card. The described RND means random number generation and is applied for the encryption process to be described later. Therefore, the smart card 101 determines whether the credit payment service is registered based on this algorithm.

Thereafter, when the smart card 101 is initialized, the smart card 101 extracts service setting information based on card information and whether the credit payment service is registered in step S405. Here, the card information includes transaction type (TRT) information, credit payment data, card type (managed by eg road construction), balance information currently loaded on the smart card, vehicle model information, origin information, and the like. .

In operation S407, the smart card 101 transmits the card information and the service setting information to the security authentication module 105 through the terminal 103, and performs encryption according to a predetermined protocol. The encryption method may be RSA encryption with a public key encryption system structure, DES encryption for encrypting data using a private key, and a hash algorithm using a hash function. Internally defined encryption algorithms and digital signature algorithms may be applied. The detailed description of the encryption procedure of the smart card may be omitted since it may depart from the gist of the present invention.

As a result, the encrypted card information is transmitted to the security authentication module 105 through a predetermined digital signature. Here, the security authentication module 105 performs initialization for the module in step S409, and performs reception and signature verification on the card information and service setting information. Here, the security authentication module 105 recognizes the type of credit payment for the currently accepted smart card based on the credit payment data of the service setting information. In other words, it is possible to recognize whether the smart card is a quench pass credit payment or a high pass credit payment.

In addition, the security authentication module 105 sets the flag of the transaction type (TRT) setting bit, for example, the b2 bit, based on the service setting information, and records that the smart card currently communicating has a credit payment function. Meanwhile, in step S411, the security authentication module 105 analyzes the encrypted card information to analyze the starting point (business), vehicle model information, visual information, etc. of the corresponding vehicle, and then, for example, information on the current business office, for example, a business office. Code, PSAM information, current time information, signature information, etc. are generated and provided to the terminal 103. The terminal 103 transfers this to the smart card 101.

In operation S413, the smart card 101 performs signature verification on information transmitted from the security authentication module 105, and then performs a credit payment operation based on credit payment information. In performing the credit payment operation as in step S415, the smart card 101 receives a loading amount of the currently detected smart card 101, and determines whether the currently received loading amount is less than or equal to a predetermined minimum reference amount. . This is the value set when the user registers for the first credit payment service. As a result, when the minimum reference value of the smart card 101 is less than or equal to the set value, in step S417 to extract the predetermined charge amount information from the user, and performs the automatic charging based on the extracted charge amount information.

The operations processed in the smart card 101 are;

===============================================

If (credit payment function) {

If (confirm payment terms) {

If (BAL _IEP + AMT _AL <MPDA) error handling

If (BAL _IEP -MPDA <= MIN _AL ) {

BAL _IEP = MAL _IEP + AMT _AL

TRT = TRT | Credit payment

NT _IEP = NT _IEP | Credit payment

}

} Else {

Initialize NT _IEP Credit Payment

}

}

============================================

A program like this is added. This is to add a calculation algorithm of the smart card 101, so that there is no modification of the communication protocol between the security authentication module 105 and the terminal 103.

When this operation is completed, the smart card 101 transmits the charged amount information and settlement information, in which the remaining amount is added, to the security authentication module 105 in step S419, but the encrypted amount based on the separate signature information. Is provided as information. Of course, as described in the program, if the current residual amount is greater than the credit payment threshold, after exiting the loop of the program, the encrypted information is generated based on the current residual amount information and the signature information. Then, it is transmitted to the security authentication module 105, and the encryption process, as described above, can be applied in a number of ways, only based on the protocol specification with the terminal 103.

On the other hand, the security authentication module 105 verifies the current amount of money information transmitted from the smart card 101, which performs the condition check on the credit payment as in step S421. Credit terms checks;

===============================================

If (NT && credit) {

If (Credit Payment) {

If (BAL _IEP + AMT _AL <MPDA) error handling

If (BAL _IEP -MPDA <= MIN _AL ) {

BAL _IEP = MAL _IEP + AMT _AL

MTOT _PSAM = credit amount

}

} Else {

MTOT _PSAM = 00 (4 Byte)

}

}

============================================

As described above, it is similar to the credit payment condition confirmation procedure in the smart card 101. This is to determine whether the calculated result is within the set credit payment amount and credit payment amount. In addition, the security authentication module 105 performs a signature verification of the calculation result information transmitted from the smart card 101, thereby approving the credit payment service.

Meanwhile, the terminal 103 displays the charged amount and the settled amount information based on the amount transmitted from the security authentication module 105 to notify the user of the completion of the automatic charging service. The service execution completion notice may display the service execution status or the result as graphical information along with a display of the settled amount.

In step S423, the security authentication module 105 recognizes the received information received according to the payment command according to a predetermined signature verification algorithm, and determines the withdrawal of payment for payment from the result. In addition, the transmission signal of the security authentication module 105 according to the withdrawal completion in steps S425 and S427 is provided to the terminal 103 through an encryption procedure, and the terminal 103 records the withdrawal, storing the collection history, and the like. Create The log record is stored in the smart card 101 through step S429, and the management server 107 records the settlement information according to the execution of the credit payment service and the toll payment. In addition, the management server 107 is provided to the system operation server 109 through the Internet, the settlement information described above, the system operation server 109 requests the payment for the service through the linkage with the financial server 111. do.

As such, according to the credit payment service according to the present invention to register the credit payment information with a smart card, it is possible to implement automatic charging for tolls without modification of additional communication procedures. On the other hand, the present invention has described the credit payment method for the above-described high-pass transaction, it will be obvious that a contactless touchpath transaction is possible based on the same principle. However, the credit payment method described above may be somewhat modified in response to existing flows for contactless touchpath transactions.

That is, in the contactless touchpath transaction, the contactless touchpath card determines whether a credit payment transaction function is set for the current contactless touchpath at the initial operation. This determines the conditions for the credit payment transaction function during the initial operation of the touch pass card, as shown in Figure 5a. In this figure, the procedure shown in red represents the judgment of the credit payment function. In 5b, after the communication between the touch pass card and the security authentication module (PSAM) is made, the credit payment function is executed in the touch pass card.

As described above, the credit payment function determines whether an amount less than or equal to the reference value has been reached, and adds a predetermined charge amount according to the determination result. Thereafter, the security authentication module (PSAM) receives and notifies the operation result of the touch pass card through a security authentication procedure. Therefore, the contactless touchpath transaction according to the present invention also makes automatic charging of tolls without a separate protocol modification.

Meanwhile, FIG. 6 is a flow illustrating a re-transaction of a contactless touch path, and is a case where a value of the user's card, ie, a contactless touch pass card, is deducted from the user's card, but the value is not transferred to the standard SAM, during the payment transaction. In many cases, a number of credit payment procedures may be required.

7 illustrates a transaction cancellation procedure of a contactless touch pass, and the transaction cancellation is when a user cancels a transaction after a normal payment transaction. This is done only for the last purchase transaction of the contactless touch pass card and the security authentication module (PSAM) as shown. This procedure cannot be performed if the IEP has performed another purchase transaction or if PSAM has performed another transaction. If the last purchase is completed normally, a cancellation transaction is made. If the withdrawal is made normally in the IEP, but the value is not deposited in the PSAM, error recovery is performed. In addition, if the withdrawal from the IEP and the PSAM is a value deposit, but the transaction is not completed normally because the order has not been completed, there is an error recovery procedure corresponding to the cancellation transaction.

As described above, the present invention is stored in the smart card in the toll payment process after storing the credit payment threshold amount and credit payment amount information according to the service setting as the service setting information for the credit payment function to the smart card If the amount is less than the credit payment threshold, the credit is automatically charged through the credit transaction, and the toll payment system for the toll road can be applied as part of the ubiquitous, which indicates that the industrial use value is high.

1 is a block diagram showing a smart card automatic charging system according to the present invention.

2 is a diagram illustrating transaction type (TRT) information applied in the present invention.

3 is a view for explaining credit payment information applied in the present invention.

4 is a flowchart illustrating the main operation of the present invention.

5 to 7 is a transaction procedure for explaining the contactless touch path function of the smart card according to the present invention.

<Explanation of symbols for main drawings>

101: smart card 103: terminal (OBU)

105: security authentication module (PSAM) 107: management server

109: system operation server 111: card company financial server

113: Credit card

Claims (6)

In the payment transaction system using a prepaid smart card, The smart card holds service setting information for executing an automatic charging service; A security authentication module (PSAM) for verifying automatic charging information and financial transaction information by receiving communication information for user authentication and the service setting information based on the smart card and short-range communication; A management server that collects the financial transaction information received from the security authentication module and registers and manages the charging and transaction results for the automatic charging service; And A financial server that performs a service application for the smart card's automatic charging service and registers the service, receives financial transaction information of the user from the management server, and executes the approval and financial processing of the automatic charging service based on the user's financial transaction information; Payment transaction system using a prepaid smart card, characterized in that made. In the payment transaction system using a prepaid smart card, A financial server that receives a toll smart card automatic charging service based on a user's credit information and notifies authentication and service information of the corresponding service; According to the service notification result of the financial server, the service setting information corresponding to the automatic charging service is set by the corresponding smart card of the user, and based on the service setting information, after detecting the charge request when the vehicle is driven, the financial server is sent to the financial server. A system operation server for requesting financial processing corresponding to the automatic charging request; After being connected to the terminal (OBU), based on the communication information according to the communication procedure of the electronic card and the service setting information according to the smart card automatic charging service for performing automatic charging, settlement for automatic charging and providing the result to the terminal Smart card; A security authentication module (PSAM) for receiving communication information and service setting information transmitted from the terminal and checking and verifying automatic charging information for the smart card; And Collecting the toll information received from the security authentication module to register and manage the charging result for the credit payment service, the payment server using a prepaid smart card, characterized in that it consists of a management server for controlling the transmission to the system operation server system. The method according to claim 1 or 2, The service setting information is information set by the smart card, credit payment information having the minimum value information (MIN _AL ), credit payment amount (AMT _AL ) information for the credit payment set by the user at the time of automatic charging service registration, and credit payment Includes payment data to define the type of; If the balance of the smart card is less than the minimum information, payment information system using a prepaid smart card, characterized in that the service information for automatically charging the amount corresponding to the credit payment amount. The method according to claim 1 or 2, The security authentication module holds information on a transaction type (TRT) when communicating with the terminal, and the transaction type information is a prepaid smart, characterized in that a flag setting indicating that the smart card is a creditable card. Payment transaction system using a card. The method of claim 4, wherein The flag setting is a payment transaction system using a prepaid smart card, characterized in that defined by any one bit not used in the transaction type (TRT) information. The method according to claim 1 or 2, The smart card is a payment transaction system using a prepaid smart card, characterized in that it further comprises a contactless touch path function.

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